SELF-EMPLOYED
HEALTH INSURANCE COVERAGE PLAN INDIVIDUAL BENEFITS FAMILY TIPS INFO PRACTICAL
ADVICE IDEAS EDUCATION FREE ARTICLE GUIDE MONEY INFORMATION
Health
insurance plan information for the self-employed
worker.
HEALTH INSURANCE FOR THE SELF-EMPLOYED
The cost of
health care continues to escalate and right
alongside it, the cost of health insurance.
Finding health insurance is one problem but then
being able to afford health insurance is an
entirely different challenge especially if you
are self-employed and cannot obtain insurance
under a group plan.
So what can
you do as a self-employed person to obtain or
lower the cost of health insurance? Here
is some advice for self-employed health
insurance.
SELF-EMPLOYED
HEALTH INSURANCE
Buy a short-term plan
While not the best solution, a
short-term plan will at least give you coverage and provide what is often a
more affordable premium than a long-term, comprehensive package.
Seek out your associates
Some professional associations have group coverage. The plans might not be the
best or offer the widest range of coverage but it’s better than nothing and will
take you through an emergency.
Shop for an affordable online quote
Make use of one of the sites which allow you to shop across several different
providers at the same time in order to find the most competitive prices.
Use your health plan as a tax deduction
Self-employed individuals are eligible to use their health insurance payments as
a deduction on savings. This might just give enough of a cost savings or refund
to help pay another premium or two.
Start a health savings account
These new accounts will give you tax-free savings while also allowing you to put
aside money for medical emergencies. With a health savings account, you might be
able to take a health plan with a higher deductible and thereby reduce the cost
of your premium.
It’s not an easy road to get and keep health insurance but making the effort
will help you to rest easy knowing you’re prepared with coverage in the event of
an accident, illness, or injury. If you don’t think you can afford health
coverage, you better think twice because the pitfalls of going without health
insurance come at a high price to you, your bank account and your well-being.
To
teach and learn money skills, personal finance, and money
management, please go to the Money
Instructor home page.
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Policy Information
Health
insurance plan information for the self-employed
worker.
To
teach and learn money skills, personal finance, and money
management, please go to the